Purchase of multi fam - creative financing

[Ryan Pearsn]

Hello,

Hoping to get some direction on potential options for creative financing:

Opportunity to buy a duplex (future opp to be converted to quad and run as Airbnb possibly)

- Sale price $320k (negotiable)
- $420k appraised value 

- 25% down
- Personal Income is $100k 

- personal credit score is poor

- Have current LLC with no credit history

- 5 years+ rental history at $3400/mo <5% vacancy

- Minneapolis, Mn 55417

Needing to get creative on financing options - willing to take on less than ideal terms non conforming etc :

- DSCR sounds appealing - ratio would be solid

- Hard money?

Any thoughts?

Thanks in advance!

Ryan